Chris’ Money Allocation Framework: 10 Steps to Build Your Wealth

All the Hacks with Chris Hutchins

Chris Hutchins

Business, Education, Investing, Society & Culture, Places & Travel, Self-improvement

4.7 • 1.4K Ratings

🗓️ 2 July 2025

⏱️ 57 minutes

🔗️ Recording | iTunes | RSS

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Summary

#235: Chris shares his personal 10-step money allocation framework to help prioritize savings, investments, and financial flexibility. He also dives into advanced strategies for tax optimization, liquidity, and real-world application through listener questions. Link to Full Show Notes: https://chrishutchins.com/10-step-money-allocation-framework Partner Deals Vuori: 20% off the most comfortable performance apparel I've ever worn Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Copilot Money: Free 2 months access to my favorite personal finance app with code HACKS2 LMNT: Free 8-count sample pack of my favorite electrolyte drink mix MasterClass: Learn from the world's best with 15% off For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Brian Feroldi’s Emergency Fund Size Formula Wealthfront: Get $5k managed free here and get a 0.5% APY boost here Daffy: Get free $25 for charity here Direct Indexing: Frec ATH Podcast Ep #144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin Ep #168: Building an Investment Portfolio to Grow and Protect Your Wealth with Chris Doyle Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: [email protected] Full Show Notes (00:00) Introduction (02:03) Quick Episode Overview (03:37) Step 1: Operating Cash (05:14) Step 2: Employer Match (06:21) Step 3: Urgent Debt Payoff (07:56) Step 4: Safety Net (11:49) Step 5: Short-Term Goals Fund (13:30) Step 6: Debt Review (15:44) Step 7: Tax-Advantaged Investing (21:38) Step 8: Brokerage Investing (30:16) Step 9: Education Investing (31:23) Step 10: Optional Debt (32:48) Why You Should Prioritize Liquidity (37:51) Types of Alternative Cash Savings (40:48) The Margin Call (43:28) Listener Q1: Strategy for Using Money from House Sale (47:07) Listener Q2: How to Leverage Tax-Loss Harvesting (50:35) Listener Q3: Effective Ways to Manage Your Investment Portfolio (55:00) Listener Q4: Thoughts on Financial Advisors Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	If you've ever found yourself wondering what should I do with my money right now,
0:05.8	well then you are going to love this episode because today I'm sharing the step-by-step framework
0:10.5	I've built and used myself to bring structure to how you allocate any extra money you have,
0:16.2	whether it's from a paycheck, a bonus, or it's just cash sitting in your account. And to be clear,
0:20.7	this isn't just about paying off debt and building an emergency fund. I'm also going to cover it's from a paycheck, a bonus, or it's just cash sitting in your account. And to be clear,
0:24.7	this isn't just about paying off debt and building an emergency fund. I'm also going to cover more nuanced and sometimes contrarian strategies I use to go beyond the basics, including
0:30.0	some advanced tactics for investing, managing liquidity, and building financial flexibility.
0:35.3	I'm Chris Hutchins. If you enjoy this episode, please share it with a
0:38.2	friend or leave a comment or review. And if you want to keep upgrading your life, money, and travel,
0:43.0	click follow or subscribe. Now let's get into it right after this. This episode is brought to you by
0:50.3	Viori. Now, there are only a few brands I use almost every single day, and Viori is definitely
0:56.2	one of them. They make performance apparel that's incredibly versatile yet so comfortable.
1:01.5	Everything is designed to work out in, but doesn't look or feel like it at all. My personal
1:06.2	favorites are the Sunday performance joggers and the strato tech teas and polos, but you also have to
1:10.6	check out their dream knit collection. It's so amazing, super soft, lightweight, and moisture wicking.
1:16.0	You can wear Viore for just about any activity, whether it's running, training, yoga,
1:20.3	but it's also great for lounging, running around town. And seriously, I wear their meta pants
1:24.9	and strato tech polos out for a nice dinner all the time.
1:28.6	But Viore isn't just for men.
1:30.1	My wife is as obsessed with them as I am, and we both would agree that Viore is definitely an
1:34.9	investment in your happiness.
1:36.7	And for our listeners, they're offering 20% off your first purchase, plus free shipping on
	...

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